gvaschenbach
Confused about dryer sheets
Hello.
I'm a 27 y.o. boy just starting out on the ER path.
Financially:
Assets:
Traditional Government-style Pension (3 years in, 22 to go).
401(k): $11k (contributing 10% of Gross)
Roth IRA: $500 or so (contributing 3% of Net)
House: $40k in equity, paid off in 21 years.
Liabilities:
House: $261k
Car: $14k
So serious negative net worth at the moment, but doesn't bother me too much.
My GF is not concerned about money (makes little, spends less) and makes me extremely happy. Two kids are en route in the next few years.
One problem I have (I hope some of the more experienced members can enlighten me) is that I love the work I do (Librarian at a small neighborhood library) but cannot stop thinking about retiring as early as possible. The question is: if you loved the work you did before ER, was it still worth retiring early?
I would love to travel (by foot) around the country and write more, but those are the only two activities that I can imagine wanting more time for.
It's possible for me to work around 25 hours, but that would put my retirement at 65+.
I'm just not sure which route to take.
Thank you in advance.
I'm a 27 y.o. boy just starting out on the ER path.
Financially:
Assets:
Traditional Government-style Pension (3 years in, 22 to go).
401(k): $11k (contributing 10% of Gross)
Roth IRA: $500 or so (contributing 3% of Net)
House: $40k in equity, paid off in 21 years.
Liabilities:
House: $261k
Car: $14k
So serious negative net worth at the moment, but doesn't bother me too much.
My GF is not concerned about money (makes little, spends less) and makes me extremely happy. Two kids are en route in the next few years.
One problem I have (I hope some of the more experienced members can enlighten me) is that I love the work I do (Librarian at a small neighborhood library) but cannot stop thinking about retiring as early as possible. The question is: if you loved the work you did before ER, was it still worth retiring early?
I would love to travel (by foot) around the country and write more, but those are the only two activities that I can imagine wanting more time for.
It's possible for me to work around 25 hours, but that would put my retirement at 65+.
I'm just not sure which route to take.
Thank you in advance.